Okay I have an update for everyone.
A dual mono to single stereo y adaptor will work BUT only if you are using a true stereo external speaker with two speakers.
Here is the y adaptor I used: J&D 3.5mm Stereo Female to Dual 3.5mm Mono Male Audio Cable, 3ft 1/8" TRS Female to 2 x 1/8" TS Male Y Breakout Cable Splitter Adapter
Speakers I tried:
Icom SP35 - mono plug, single speaker
Xiegu GY03 - stereo male plug, single speaker
Anker portable wireless speaker - connected with stereo cable, dual speakers
I could only get sound out on the radios left -Side A with the Icom and Xiegu speakers. There was no sound output on side B.
The true stereo Anker speaker worked just fine and I had equal volume from side A and B
The volume was not cut back/ sound muffled with the J&D adaptor like there was when using a mono to mono y adaptor. But you definitely need to use a true stern speaker with two speakers for it to work.