What if a single moment stripped away your dignity, your finances, and even your ability to walk? Would you be able to reforge your life?

In this powerful episode of the Reforge Your Life podcast, host Joe Rivera sits down with Marie Yolaine Toms—author, dignity coach, and transformational speaker—for one of the most inspiring comeback stories you'll ever hear. Marie shares how a devastating injury after college left her physically, emotionally, and financially crippled—but also opened the door for a radical transformation in mindset, money, and purpose.

Key Highlights:

• An Unexpected Crisis: Marie recounts the traumatic moment she ruptured her Achilles tendon and was told she may never walk again—just weeks after graduating as the first in her family to finish college.
• Losing and Restoring Dignity: From being dismissed at the hospital because of no insurance, to realizing her sense of worth was at its lowest, Marie talks about how financial stress and lack of knowledge can rob us of dignity.
• Money Myths Shattered: Marie confronts limiting beliefs about money, tracing them back to childhood and society, and reveals how she re-educated herself on financial literacy, wealth, and abundance with faith as her anchor.
• Faith and Mindset Shift: Discover the pivotal moment when Marie decided to let go of anger and shame, forgive herself and her parents, and take massive action to learn about finances and reclaim her life.
• Building a Life of Impact: Hear how Marie not only paid off debt and walked again, but facilitated others’ financial freedom, created workshops, and was prepared to give generously in a moment of crisis—the 2010 earthquake in Haiti.
• Practical Steps & Powerful Advice: Marie and Joe break down how to dismantle “lack mindset,” the importance of spiritual alignment with abundance, and why true comeback starts with a simple decision.

Connect with Marie Yolaine Toms:

Find her and her resources at www.focusedfirelife.com and on Instagram.

Ready to reforge your mindset, restore your dignity, and create your own comeback? Listen now, share this episode, and let us know your biggest takeaway!

Make sure to subscribe, follow, and share the podcast to help someone else ignite their comeback. Stay productive, stay profitable, and keep reforging your life!

Timestamped Overview

00:00 Unexpected Return

03:52 Graduation Persistence Pays Off

09:06 Overcoming Financial and Mindset Struggles

10:49 "Shopping High, Debt Consequences"

15:37 "The Power of Self-Narrative"

17:06 Self-Driven Passion Over Force

20:53 Challenging Beliefs on Money's Evil

23:43 "Understanding Personal Money Stories"

29:12 Embrace Self-Awareness, Reject Judgment

31:53 Divine Intervention in Repeated Visit

35:19 Seeking Divine Validation Over Wealth

38:53 Restoring Dignity and Empowerment

42:07 "Resilience & Restoration"

43:44 "Decide for Transformation"

46:29 "Appreciation Note"

What if the teacher who told you, “You’ll never amount to anything,” was dead wrong? And what if the darkest chapter of your life became the catalyst for your greatest purpose?

In this deeply moving and energetic episode of Reforge Your Life, host Joe Rivera welcomes consultant, speaker, and resilience champion David Myles. David pulls back the curtain on his remarkable journey from being bullied and marginalized as the only African American student in his North Dakota high school—to surviving a suicide attempt, overcoming lifelong adversity, and ultimately finding his calling as a leader who helps others see the value within themselves.

Key Highlights:

• Surviving & Thriving: David shares candidly about growing up with seizure disorders, facing overt racism, and the moment he nearly ended his own life. You’ll hear how a simple 10-second invitation from a peer changed everything—and why small acts of kindness can literally save lives.
• Faith & Reforging Purpose: Discover the powerful role spirituality—and specifically a real relationship with God—played in David’s turnaround, offering an antidote to feelings of emptiness that success and money alone can’t fill.
• Breaking Limiting Beliefs: Learn how David shattered the negative beliefs instilled by others (and himself) to go from a failing student to a scholar, NCAA All-American, and recipient of his city’s highest honors.
• Action Steps & Resilience: Joe and David break down actionable strategies: self-awareness, taking action, and building resiliency. You’ll also get practical resources—including the importance of dialing 988 for mental health crises, and leaning into community for support.

This is more than a comeback story: it’s a masterclass in turning pain into purpose, and a clear invitation to re-examine what’s possible for your life or for someone you care about.

Listen now and take that first step to reforge your life—because your condition is not your conclusion, and delayed is not denied.

Timestamped Overview

00:00 Scandinavian Roots: Minnesota to NYC

04:02 "My Childhood with Seizure Challenges"

09:03 Invitation That Changed Everything

12:08 Isolation and Challenges in School

14:11 Faith Transformed My Life

17:41 Youth Suicide Crisis & Support

21:07 "Sharing Episodes: A Lifeline"

24:35 "Unexpected Spiritual Conversation"

29:10 Spirituality Over Religion Journey

31:27 "I'm Really Not That Deep"

35:07 Baptism: Trinity and Identity Affirmed

39:16 Temptation and Scripture Response

43:05 "Embrace Your Destiny"

45:49 Purpose and Faith in Life

49:15 Refined Through Adversity and Faith

54:03 Building Relationships and Gratitude

56:08 "Reforge Your Life Podcast"

What if your toughest setbacks were actually the seeds for your greatest successes?

In this powerful episode of the Reforge Your Life Show, host Joe Rivera sits down with serial entrepreneur and mastermind founder Chaz Wolfe for an inspiring conversation that’ll redefine how you see adversity, winning, and the art of the comeback.

Chaz pulls back the curtain on his remarkable journey from humble beginnings—growing up in a single-parent home and lacking many privileges—to building a multi-state franchise empire and founding the Gathering of the Kings mastermind community for elite entrepreneurs. Through candid stories and honest reflections, Chaz shares the mindset shifts, tough decisions, and painful lessons that fueled his rise, including the sting of a $700,000 business loss, and the personal growth born from every challenge.

Key highlights include:

• Why being “far from the finish line” can be your superpower (and how to reframe disadvantage into competitive fuel)
• How Chaz leveraged every obstacle—personnel loss, financial setbacks, and tough choices—into stepping stones for more massive wins
• The real cost of trying to impress others versus choosing to invest in your own growth and legacy
• The transformative value of who you surround yourself with, and why community isn’t optional for greatness
• Actionable strategies for compounding good decisions and harnessing the “mastermind principle” to unlock unlimited possibility

Ready to reforge your own path? Here’s how you can put the lessons from this episode into action:

1. Own Your Story: Reflect on the “setbacks” you’ve faced and reframe them as unique strengths or learning moments. Your race, your pace.
2. Invest in Yourself and Your Network: Start seeking out rooms, events, and communities (like Gathering of the Kings) that push your limits and expand your vision—don’t do it alone.
3. Compound Your Good Decisions: Focus on making back-to-back choices that align with your long-term values, and don’t be afraid to re-evaluate what “winning” means to you.
4. Harvest the Seeds of Adversity: Next time you’re facing a challenge, ask yourself: “What’s the potential lesson here? How can this setback become my springboard?”

Don’t just be inspired—take bold action. Subscribe, share your thoughts, and connect with the show for more insights on how to keep forging forward no matter where your starting line is.

Listen now and discover how to turn every disadvantage into your defining advantage!

TIMESTAMPED OVERVIEW

00:00 "My Personal Perseverance Story"

06:26 Leadership Transition Challenges

09:16 Adversity's Hidden Potential

11:33 Compound Decision-Making Success

14:28 "The Power of Meaningful Relationships"

20:32 "Faith: Belief in Action"

21:45 Embracing Support Over Isolation

What would you do if you lost over $100 million—and realized it was the best thing that ever happened to you?

In this powerful new episode of Reforge Your Life, host Joe Rivera sits down with legendary sports executive, entrepreneur, and chairman of the Napoleon Hill Institute, David Meltzer—the real-life inspiration behind Jerry Maguire. David shares his jaw-dropping journey from growing up with nothing, to becoming a multimillionaire CEO rubbing elbows with billionaires, to losing everything and finding a higher source of purpose beyond wealth.

Key Highlights:

• The “Three Worlds” Mindset: David reveals the eye-opening differences between living in a world of “not enough,” “just enough,” and ultimately, a world of “more than enough for everyone.”
• Rock Bottom Lessons: Hear the true story of David’s crash—how money, success, and status left him spiritually bankrupt, and the heartfelt moment that forced him to face who he really was.
• Spirituality vs. Religion: Learn why fulfillment comes from a connection to something greater than yourself, not just achievement or material gain.
• The Power of Asking for Help: David’s advice for anyone feeling lost or stuck—why seeking help is the fastest way to reforge your life and purpose.
• Actionable Tools: Discover how David rebuilt himself by living in alignment with core values, faith, and service—and how you can start your own comeback, no matter your starting point

Put the Lessons Into Action:

• Take stock of where you are: Are you living in a mindset of lack, “just enough,” or true abundance?
• Challenge yourself: Ask, “If my loved ones saw who I really am, would I be proud?”
• Seek connection: Find your spiritual anchor, whether that’s through faith, service, or community.
• Ask for help: Identify someone who’s at a place you want to be—reach out and connect.
• Pay it forward: Once you’ve reforged your own life, pull up a seat for someone else at your new table.

Bonus: David Meltzer offers his book FREE to all listeners—just email him at [email protected]. Join his private networking group, learn more at davidmeltzer.com, and take your first step to transformation.

Share this episode with someone who needs a comeback. Like, follow, and subscribe to Reforge Your Life and help us inspire change—one story at a time.

TIMESTAMPED OVERVIEW

00:00 From Law Grad to Tech Millionaire

06:31 "Pursue Potential, Not Material Wealth"

08:03 Finding Authentic Self: A Journey

13:28 "Embracing Faith Over Evidence"

14:34 "Spiritual Fulfillment Over Material Wealth"

19:53 "Share to Support Struggling Friends"

What if losing your career and your parent in the span of a few years could be the greatest catalyst to completely reforge your life—with gratitude at the core?

In this powerful episode of the Reforge Your Life Show, host Joe Rivera sits down with Lisa Ryan, Chief Appreciation Strategist at Gratigy, for an unfiltered look at what it really takes to overcome some of life’s most devastating setbacks. Lisa reveals how a sudden layoff, followed by an 11-year journey caring for her ailing father until his passing, pushed her to the breaking point—yet also led her to discover the life-changing force of daily gratitude.

Key Highlights:

• Turning Tragedy Into Triumph: Lisa shares her raw experience getting fired on a group conference call, making a bold promise to never let an employer dictate her fate again, and launching her own successful company.
• The Power of Gratitude During Grief: Learn Lisa’s “ABCs of Gratitude” technique—a transformative practice that not only helps with sleepless nights, but also supported her healing process after losing her father.
• Seeking Support Without Shame: Lisa opens up about how and why she sought grief counseling, breaking down the stigma of asking for help, and the surprising gift of anticipatory grief.
• Resilience, Humor, and Perspective: Discover how laughter, creativity, and focusing on positive memories kept Lisa afloat through the darkest times.
• Tangible Tools for Change: Hear actionable strategies for incorporating gratitude into daily routines, and why having a strong network of friends and self-care rituals matters for resilience.

Remember, reforging your life isn’t about avoiding adversity—it’s about transforming through it. If you’re looking for an authentic roadmap back to gratitude, resilience, and renewed purpose, listen in, take notes, and take action.

Connect with Lisa:Visit lisaryanspeaks.com or find her on LinkedIn.Check out her Manufacturer’s Network Podcast, and sign up for her Cracking the Retention Code newsletter for more insights on gratitude, workplace culture, and personal transformation.

Don’t forget to subscribe, share, and let us know how the power of gratitude is reshaping your journey!

TIMESTAMPED OVERVIEW

00:00 "Rebuilding Life After Setbacks"

05:12 Entrepreneur's Journey: Trials and Sacrifices

07:45 Anticipatory Grief and Healing

12:30 ABCs of Gratitude: Zero Regrets

16:49 "Aha Moment: Seeking Help"

20:26 Embracing Grief and Seeking Support

24:23 Vigilant Care Transforms Patient Role

25:06 "Finding Humor in Dementia's Chaos"

30:42 Navigating Life's Curveballs

31:27 Passionate Workaholic's Dedication

35:49 Embrace Imagination Through Hobbies

40:18 The Power of Community

41:34 Gratitude: Transforming Lives Through Thanks

44:47 Cleveland Roots, Love for Travel

What if you went to the hospital to propose and start a new life—only to leave with your child and unimaginable pain?

In this episode of the Reforge Your Life show, host Joe Rivera sits down with Khalil Carter, owner of Stay Fit Coaching and Stay Fit Edu, for a jaw-dropping, heart-wrenching, and ultimately inspiring conversation. Khalil courageously shares the story of losing his partner during childbirth and how this unimaginable loss became the turning point in his journey to healing, purpose, and profound service to others.

Key Highlights:

• Surviving Unthinkable Trauma: Khalil opens up about the raw reality of grief, loneliness, and confusion after the sudden loss of his child's mother—and how this propelled him into deep self-reflection and growth.
• The Power of Surrender: Discover how surrendering to a higher power and seeking true help (including therapy and mentorship) enabled Khalil to break free from blaming others, take accountability, and find meaning in his pain.
• From Pain to Purpose: Hear how Khalil transformed his personal struggles into fuel for helping others—building a thriving fitness business, supporting communities in schools, and modeling resilience for his children and clients.
• Core Values Reforged: Learn why “not quitting” became the unwavering foundation of Khalil’s new life, and how anyone facing hardship can adopt this powerful mindset to reforge their own path.
• Practical Tools & Mindset Shifts: Khalil and Joe explore the importance of discomfort for personal growth, the dangers of habitual quitting, and the necessity of self-discovery and self-care in overcoming adversity.

Ready to take the first step in reforging your life? Share this episode with a friend who needs hope, and make your move—because Khalil’s story is living proof that with grit, faith, and relentless action, the comeback is always possible.

Find Khalil Carter and Stay Fit Coaching on all platforms and check out Stay Fit Edu for community and school empowerment programs.

Don’t forget to like, follow, subscribe, and share—because someone you know is waiting to reforge their life, and it starts with this episode.

TIMESTAMPED OVERVIEW

00:00 Breaking Generational Cycles

04:18 "Seeking Change Through Speech"

06:45 Tragic Hospital Proposal Story

11:17 Parenting Challenges: Business and Baby Poop

14:24 Emotional Class Breakdown

18:27 Letting Go of the Past

19:42 "Lessons on Growth and Accountability"

23:02 Loss and Its Impact

27:58 "Maniacal Pursuit of Goals"

31:55 Empowering Future Generations Together

32:41 "Community Support Through Fitness"

35:40 "Embrace Action: Rebuild Now"

39:15 "Reforge Your Life Podcast"

What if your worst nightmare could become the blueprint for your comeback?

In this powerful episode of the Reforge Your Life Show, host Joe Rivera sits down with Gretchen Pisano, CEO of P.Link Leadership, to unpack a journey that defies the odds. Gretchen shares her deeply personal story—going from a paralyzing moment in a grocery store parking lot as a newly single mom with no safety net, to building a thriving global leadership business and coaching powerhouse.

Key Highlights:

• From Rock Bottom to Rising: Hear how Gretchen faced her darkest fears, overcame limiting beliefs around money, worthiness, and identity, and chose not to be a victim of her circumstances.
• How To Escape the Victim Mentality: Discover actionable insights on shifting your perspective from “Why me?” to “I have a hand in changing my future,” with lessons from both Gretchen's personal revelations and her upbringing.
• The Power of Story—Nightmare to Manifestation: Learn Gretchen’s unique exercise to take your worst-case “nightmare” story, flip it line by line, and use it as fuel for manifesting the life you truly want.
• Building & Using Your Toolbox: Explore how to identify, build, and lean on your core values—like hope, gratitude, perspective, curiosity, and humor—to reforge your identity and direction.
• Letting Go of Others’ Opinions: Find out how Gretchen tackled the fear of judgment and learned to stay true to her purpose, even in the face of societal expectations.
• Small Steps, Massive Change: Why taking just one brave step in the next 72 hours can be a catalyst for lasting transformation.

Don’t forget: Share this episode with someone who’s struggling to find their way forward. You have no idea how much they might need to hear that the comeback is not just possible—it’s waiting to be chosen.

For more insights from Gretchen Pisano, visit PlinkLeadership.com or connect on LinkedIn and Instagram. And as always: stay productive, stay profitable, and stay blessed.

Timestamped Overview

00:00 Overcoming Divorce and Single Motherhood

07:47 Founding and Scaling P Link Leadership

08:58 Overcoming Fear and Victimhood

13:38 Surround Yourself with Positivity

15:42 "Realization of Unrealized Potential"

21:58 "Embracing Progress and Identity Shifts"

23:22 Overcoming Limiting Beliefs

28:17 Challenging Limiting Beliefs

31:23 Manifest Dreams, Confront Nightmares

33:58 Shifting Paradigms for Personal Growth

37:44 "Progress Through Practice and Perseverance"

41:03 "Guiding Values for Decision-Making"

42:14 Aligning with Core Values

45:23 Rising from Ashes: The Art of Renewal

50:25 Transitioning to an Empty Nest

53:00 "Reforge Your Life Podcast"

“If I cried every time I lost someone to gun violence, I’d be crying all the time.”

That chilling statement from a young girl on Chicago’s South Side was the spark that ignited Reverend Jocelyn Jones’ extraordinary journey—a journey filled with trauma, faith, redemption, and a bold commitment to help others heal. In this powerful episode of the Reforge Your Life Show, host Joe Rivera sits down with Rev. Jocelyn Jones to peel back the layers of trauma, domestic violence, and the sometimes crushing weight of religious expectations.

Episode Highlights:

• Raw Truth About Domestic Violence: Jocelyn courageously shares her own story of surviving domestic violence—even as an educated trauma counselor and reverend, she describes how manipulation and emotional abuse don’t “look like” the stereotypes, and how hard it was to recognize and escape.
• Faith and Forgiveness: Hear how the intersection of faith and abuse shaped Jocelyn’s journey, forcing her to question deeply embedded religious beliefs about marriage, divorce, and worthiness. Her revelations about forgiveness—especially forgiving herself—will stay with you long after the episode ends.
• Turning Pain Into Purpose: Discover how Jocelyn transformed her deepest lows into a thriving counseling and trauma-healing ministry, now helping churches nationwide become safe havens for healing.
• Empowerment and Action Steps: The conversation is packed with wisdom for anyone feeling “stuck,” including advice on rebuilding belief systems, finding your voice, and learning to truly value yourself—even after life’s shattering moments.

Ready to Go Further?

• Download Jocelyn’s free Trauma Healing Church Resource Guide at traumahealingchurch.com.

• If you’re a Christian woman called to start your own ministry, check out Women in the Ministry for mentorship and practical guidance.

Connect with Rev. Jocelyn

Website: revjocelyn.com
Social Media: Follow me on IG, Facebook, LinkedIn, and YouTube @RevJocelyn
Free Resource: Download your free Trauma Healing Resource Guide at traumahealingchurch.com

Before you go: If this episode hit home, share it with someone who needs to hear it. You never know whose life you could help reforge.

Stay productive. Stay profitable. And remember—every new day is a chance to choose differently, to forgive, and to reforge your life.

TIMESTAMPED OVERVIEW

00:00 Youth Organizing Against Gun Violence

03:14 "Launching Trauma Healing Ministry"

07:09 Silent Struggles in Faith-Based Abuse

12:24 Reevaluating Marriage Beliefs and Divorce

13:54 "Faith, Abuse, and Accountability"

17:43 "Focusing on God and Forgiveness"

21:33 Forgiving Past Decisions

25:59 Finding Strength in Family Bonds

27:59 "Facing Yourself for Healing"

32:31 "Persevering Through Personal Turmoil"

36:20 Top-Ranked Trauma Counseling Ministry

41:26 "Reforging Lives into Masterpieces"

42:37 "New Day, New Choices"

46:30 Reforge Your Life Podcast

What if the lowest point in your life—the one you thought you’d never escape—was actually the turning point that would catapult you to massive success?

In this raw and inspiring episode of the Reforge Your Life Show, host Joe Rivera sits down with mindset coach, entrepreneur, and the host of the “Thinking Big” podcast, Sean Osborn, to uncover a story that will shock you: From being homeless at 15 and battling addiction, to taking a tech company public before the age of 30. Sean’s journey is a testament to the power of mindset, grit, and the decision to never let your past define your future.

Key Highlights:

• The Untold Story: For years, Sean kept his painful past a secret—even from his closest friends. He reveals how owning and sharing your story can become your greatest source of strength.
• The Power of Decisions: Learn the moment that changed everything for Sean—a “line in the sand” decision that triggered a total life transformation.
• Mindset Over Mechanics: Sean and Joe break down why the “how” of success comes after you decide to take action—and how waiting for perfect conditions keeps us stuck.
• “Act As If”, Not Fake It: Discover the secret to aligning your energy with successful people and opportunities, and why your “vibe” matters more than your suit or resume.
• Turning Pain into Power: Hear how Sean transformed hard-won lessons from homelessness and rejection into entrepreneurial gold and a mission to help others.
• Defeating Limiting Beliefs: Insights on identifying and overcoming the mental programming that keeps us small—and how to continually step outside your comfort zone for lasting growth.

Follow-Up for Listeners and Viewers:

• Take inventory of your comfort zone. What’s one uncomfortable action you can take this week that pushes you out of it?
• Share this episode with someone who needs a comeback—your story (and Sean’s) might be the catalyst they need.
• Ready to take your growth to the next level? Connect with Sean at thinkingbigcoaching.com for resources on mindset and entrepreneurial success.

Remember: The journey isn’t about waiting for perfection. It’s about reforging yourself, day after day, decision by decision, until you become unstoppable.

Don’t forget to like, follow, subscribe, and share—someone’s breakthrough might start with you.

#ReforgeYourLife #ComebackStory #MindsetMatters

TIMESTAMPED OVERVIEW

00:00 Revealing Powerful Personal Stories

04:31 "Transformation to Success"

06:50 Action Inspires Change

11:22 "Act As If" Mindset

15:55 "The Power of Mindset Shift"

16:46 "Align Energy to Attract Others"

22:22 Homelessness Taught Perseverance

24:53 Adversity's Impact on Belief Systems

29:06 Overcoming Limiting Beliefs

32:42 "Stepping Out of Comfort Zone"

35:26 Overcoming Struggles to Fulfill Purpose

37:21 "Action Unlocks New Opportunities"

40:52 Spirituality vs. Religion Explained

45:47 "Share to Inspire Comebacks"

46:32 "Reforge Your Life Podcast"

What if doctors told you you might never walk again, but you refused to let that define your life—or your dreams?

In this powerful episode of the Reforge Your Life Show, host Joe Rivera sits down with Mandy Salas—athlete, mother, upcoming memoir author, and sought-after motivational speaker—for a conversation that will leave you rethinking what’s truly possible. Mandy shares her extraordinary story of surviving a devastating car accident in Argentina at 16, which left her paralyzed from the shoulders down. But that’s just the beginning: Mandy reminds us all that the “comeback is more than possible,” showing how grit, mindset, and unapologetic hope can smash through even the biggest barriers.

Key Highlights:

• Mandy’s life-changing accident while studying abroad and the unique compassion she received from Argentinian doctors that changed her approach to healing
• The critical role of words and environment—how the people around you (and what they say) can either lift you up or hold you back
• Resilience, perseverance, and adaptive transformation: discover how Mandy built (and continues to build) an incredible life, including completing her studies at Stanford, succeeding in media and business, and starting a family against all medical odds
• How Mandy turned “impossible” into “I’m possible”—including her journey to motherhood despite being told it shouldn’t or couldn’t happen
• Tools for reframing negative thought patterns, the power of morning rituals, and daily practices that keep Mandy’s mindset strong
• The crucial role of faith—whether it’s spiritual, in yourself, or in the synchronicities of life—and how Mandy taps into a higher purpose for guidance and energy
• Why Mandy refuses to use her circumstances as excuses, and how anyone can apply her relentless determination to their own journey

Ready to learn more from Mandy? Find her at mandysalas.com or on Instagram @i.m.mandysalas. Watch her inspiring gym reels and follow her for updates on her upcoming memoir and speaking events.

Don’t forget: Like, follow, subscribe, and share this episode. You never know who may need to hear Mandy’s story—your share could change, or even save, their life.

Timestamped Overview

00:00 "Rediscovering Roots, Surviving Tragedy"

05:35 Defying Medical Expectations

07:41 Journey to Acceptance and Letting Go

11:17 Unexpected Pregnancy Amid Obstacles

16:13 Morning Struggles After Injury

19:02 Resilience and Overcoming Adversity

21:50 Moving Forward from the Past

26:28 "Miraculous Rescue: Meant to Be"

28:38 Spirituality's Role in Overcoming Struggles

34:51 "Inspiring Fitness Journey on Social Media"

37:02 Power of the Mind

41:00 "Tapping Into Humanity's Purpose"

43:26 "Pivot and Reforge: Overcoming Obstacles"

46:51 "Inspirational Gratitude for Mandy"