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i can tell you now every reply you get here will be people telling you that you should not mention gifts on the invite (and i agree). if you don't do a registry, then most guests will just give cash.
I would just not put anything and when people ask you (because they will) just tell them that you prefer money to gifts as that is where your needs currently lay. I would absolutely not put that on my invitation though, you shouldn't refer to gifts in wedding invitations AT ALL
I agree with Kingytobe. It's better not to say it directly on your invitations. However, I suggest you give them a hint while giving out your invitations. That is to say you can tell them how unstable the economy is or how hard it is to save money for the wedding--things that will make them think you prefer money over gifts. You can also tell them frankly, although that may be very awkward.
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so my fiance and i have everything that we would need so how do we politely ask for money instead of a gift?