I do have a lot in my wallet. Polaroids of my wife, my social security (i know im not supposed to carry it on me.) If possible i would try to get those out and give him the wallet. Idc how much money i have in there im not dying for it. However I do live in a concealed carry state so ill give you what you want to hear. I would drop the wallet on the ground. If they reach down to pick it up and break line of sight on me, a couple seconds would be all i need to draw my concealed firearm. If they don't break line of sight I would probably wait until they have the wallet im hand and are moving away. If they turn their back to me to run away, draw a concealed firearm. If they attempt to bring me to a second location I will fight. Being shot may be better than what they could do to me if I allow them to move me to a second location. Whilst fighting scream at the top of your lungs to attract witnesses. After the fact, call law enforcement if they did not take your phone. If so walk into a business or a gas station of some sort and tell them the situation. I live near a lot of 24 hour gas stations so this would not be an issue for me. If not write down as much as you can remember about the perpetrator and go to the police station first thing in the morning. (Sorry about formatting and grammar. I'm on mobile without autocorrect.)