If you dont want to/cant give – say a nice word or a bracha: “Money is not what I can give you – however …” and end with “you should be matzliach”, “Hashem should help you”, “Refus”h”, etc.
Try to look empathic when you say it. Oh and mean the bracha.
A sincere bracha from a layman is never trivial. (From Al tehey birchas hedyot kal b’eynecha.)