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RAY J Is CRAZY . . . Check Him Out . . . Driving Around . . . With $650K IN CASH . . . Sitting On The CONSOLE OF HIS CAR!!!

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R&B singer/reality tv mogul Ray J is rich and confident . . . some might even say TOO CONFIDENT.

You see Ray just signed a deal with a Saudi billionaire that netted him $650K. And while most of us would put that money in the bank . . . Ray wanted it in cash.

And he photo'd himself riding around with it in his car.

Tomorrow, January 12, Ray J's joining big sis Brandy on the new celeb competition series My Kitchen Rules, which premieres on FOX.