It started with a dare.

Ryan Clark, an NFL analyst for ESPN, gave a blow-by-blow Wednesday morning of how the drama between Jets quarterback Geno Smith and now-former reserve linebacker IK Enemkpali unfolded after speaking with two players who were in the locker room.

Smith “put his fingers” in his teammate’s face before he was sucker-punched, sustaining a broken jaw that will sideline him for at least six weeks.

“These guys were in each other’s face,” Clark said on ESPN’s radio show “Mike & Mike.” “Geno put his finger in his face and told the guy, ‘Well, you’re not going to do anything about it.’”

He was wrong, as the tough-guy comments caused Enemkpali to knock Smith to the ground with a single punch. The trouble started when Enemkpali laid out $600 for Smith to travel to a football camp in July. Weeks went by and he didn’t get reimbursed.

Former Steelers safety Ryan ClarkAPFormer Steelers safety Ryan ClarkAP

“It became about the fact that Geno wasn’t necessarily apologetic and being in a way remorseful about the money when saying he was going to pay IK back and he didn’t,” said Clark, a former safety with the Steelers, Redskins and Giants. “He was rather smug about it.”

Clark knows from his own dealings with Enemkpali that the hulking 24-year-old doesn’t mess around when it comes to his money.

“This guy is really tight about money, he really is,” Clark said. “He couldn’t [move on].”

He added he’s spoken to Enemkpali since the fight, saying he was “extremely apologetic.”

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