Dwyane Wade -- Dinner with LeBron Is Risky (Video)

Screw the fake wallet reach, if you have dinner with Dwyane Wade you better be ready to pay -- 'cause when the check comes, the NBA star says it's GAMBLIN' TIME!!!

D-Wade hit the famous Santa Monica Stairs for a workout with Miami Heat teammates Mario Chalmers, Udonis Haslem and coach Erik Spoelstra ... when we brought up dinner with his BFF LeBron James.

That's when Wade gave out some FREE FINANCIAL ADVICE -- when you're out to dinner with rich people, don't split the bill ... play the credit card game!!!

Here are the rules:

1) Everyone puts their credit card into a hat
2) The server pulls one out
3) That person pays the ENTIRE bill

Good luck ...

BONUS -- since Wade's son, Zaire, has been KILLIN' IT in the youth basketball world, we asked if there was a chance we'll ever see them match up in the NBA. Check out DW's answer ... funny stuff.