I assume you're still using a Dresdenified world, right? I.e., your characters are starting out as vanilla mortals, but there's still supernatural stuff, and the possibility to learn mystical stuff? If so, then there's still lots you can play with. For example:
* Assuming you give out milestones, the characters will eventually start building up skills and/or skills. They may learn to use weapons where they previously could not. This can even happen at minor milestones, where a player might shift a point of skill from one skill to another or reword an aspect, thereby evolving themselves in some way; at significant milestones they can actually increase their skill pool.
* Characters might be given the opportunity to gain powers of some form. For example, a player might discuss with you about the possibility that their character was actually a Changeling who had yet to develop any Changeling powers. So over the course of a number of game sessions, they might slowly begin filling out the Changeling template. (See the rules for mid-session power upgrades (YS91) for this sort of thing.) Or they might rescue a Wizard, then find out that one (or more) of them has the potential to learn spellcasting from him.
* While the Refresh of your character may start out low, it will grow as you grant major milestones. If you *want* them to start out mundane but quickly submerge themselves, you could give out the first few major milestones more quickly than normal (then taper off).
* As to magic items, you might still have the players find Items of Power ... and if a player choses to bond with it, they add it to their sheet and reduce their Refresh (again, use the mid-session upgrade rules).
As to your question about money, you can handle this in a number of ways. For example, they might just have a pile of cash which is a limited resource that they can use (without touching their resources) until it's gone. Or you could allow them to use it as an excuse to upgrade their Resources when they reach milestones. Or you might even give them a 'bonus milestone', used specifically to increase Resources. Or you could let use a mid-session upgrade to trade in Refresh in exchange for one of the Resources stunts, like 'Windfall'. Or you could even let them take the stunt 'for free', which is kind of like a major milestone with the Refresh dedicated to a specific purpose.