I don't accept credit card payments for this very reason.

That's a house of cards ready to fall down fast. 

Starting with the basics like saving and budgeting is definitely a good move, but it sounds like he’s ready for some beginner-friendly real estate concepts too, like analyzing properties or understanding cash flow.Books like Rich Dad Poor Dad for Teens or podcasts like BiggerPockets Rookie could be a great fit.

Looking to knock out all credit card debt early next year and rebuild the 6 month emergency fund.

Suppose you have $46,000 mortgage at 8% interest on restaurant, $22,900 SBA loan, $3,900 at 1.75% interest on a microloan, $23,00 on temporary 0% interest credit cards all for the same business totaling $95,000 in debt. 

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

A good analogy is baseball cards.

I don't think a gift card is necessary at this point, but if you can exchange addresses and phone numbers that would be great.Think like a neighbor....they are going to be worried about parties, noise, trash, etc.

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).

I know many folks that started a business with just a business card, telephone, a vehicle and ambition.