Sometimes family dynamics and money collide in ways that defy basic math. A recent caller to "The Ramsey Show" presented one of those situations, leaving personal finance experts Dave Ramsey and Ken Coleman genuinely stunned.

Jack, calling from Arkansas, laid out his predicament: His father wants him to hand over control of a trust worth somewhere between $250,000 and $300,000. The offer on the table? A crisp $5,000.

"He's asking you to trade $300,000 for $5,000," Ramsey said, clearly baffled. "What planet does he live on that he thinks you would do that?"

A Grandfather's Foresight

The backstory makes the situation even more pointed. Jack's grandfather set up the trust for his three children, but he didn't treat all portions equally. Two of Jack's relatives received lump sum payments. Jack's father got something different: annual distributions, not a one-time payout.

The reason? His father had a track record of making questionable financial choices. So the grandfather built in a safeguard. When Jack's father eventually passes away, whatever remains in the trust goes to Jack.

Now Jack's father, a 63-year-old practicing lawyer, wants to undo that arrangement entirely. He initially offered Jack $10,000 to sign over the trust, then dropped his bid to $5,000. His stated plans for the money include renovating his house and buying a new car, with vague assurances that Jack will still get "the rest."

Given his father's financial history, Jack isn't buying it. "He claims that I will have the rest of the money," Jack explained, "but based on his track record, I doubt there will be anything left."

How to Say No to Family

Jack called the show looking for guidance on handling what he knows will be an ugly confrontation. Ramsey didn't sugarcoat the reality.

"It's impossible for you to take a man that is this unreasonable and make him reasonable with one conversation," Ramsey said. "You preserve your dignity, your courage, your kindness, your integrity. That's the only thing you have control over."

Coleman framed it in surgical terms: "It's not fun. It's going to hurt. There's going to be some recovery time. But on the other side, you're going to be better off."

Both hosts agreed the best strategy is brevity. Don't explain, don't justify, don't negotiate. Ramsey suggested a simple script: "Dad, Grandpa put this in place and I'm just going to abide by Grandpa's wishes. Thanks for asking."

"Anytime you're setting a boundary with a boundaryless person, less is more," Ramsey added. "The longer you talk, the more you're going to mess this up."

Jack admitted his father will probably "go bonkers" when he refuses. Ramsey's response captured the situation perfectly: "Anything less than bonkers, we'll call it gravy on the biscuit. But I'm counting on bonkers."

It's a tough spot, but the math speaks for itself. And so did the grandfather, through the structure he carefully put in place.