Depending on how experienced this bad guy is, there may be an opening when you hand over your wallet. If they want you to hand it to them, then of course you are in a position with your hands very close to their gun. If it has a "stick" type trigger (I can't remember what the "official name is") you can jam your finger behind the trigger so it can't be pulled. That of course, won't work on a full trigger, because it's not possible to stick your finger behind a full trigger. (well, not without disassembling the gun ) Alternatively, if they want you to toss it to them, you can toss it a bit to their gun hand side, meaning they'll have to use their gun hand to catch it. (meaning they'll have to take it off you for a second) If he wants you to put it on the ground and back up, that's probrably the smartest thing for him or her to do. In that case, depending on how they pick it up you might have an opening. Failing that, you could try surrendering and then shooting him or her in the back as they make their getaway.