i have seen it on invitations where he couple asks for monetary gifts instead of gifts. it makes sense to me because we have evrything already . i know it is kind of rude .. is there a good way of saying it?

There is no good way and what you have seen on those other invitations WAS rude. Most people will give you money, especially if you dont register.
Or you just can register for gift cards to a certain store and pool them together to buy something big like furniture if you already have all the little things in the home.

No...there is no "good way" of saying/asking this. The ones you received were rude.

I always get a kick out of everyone that says they "have everything." I have been married 30 years and I still need things!

Anyway....what you need to do is to simply NOT register anywhere. Your guests are smart enough. Once they see that you are not registered, they will (hopefully) give you a card with cash.

It is NEVER good etiquette to mention anything about gifts on an invitation.

This is a cultural question. In my family it would be considered inappropriate to ask for money in the invitation. However, it might be ok to let people know indirectly or through conversations that money would be preferred.

In some cultures it is normal for the couple to be given gifts of money at the reception, but they don't need to ask for it. It is a tradition.

i dont think its rude as long as you ask in a nice way. i got an invitation once that said: we dont request for you to bring a gift but if you wish to bring something we would apreciate if its was a monetary gift, something like that but it didnt sound bad to me, is like instead of asking something from a store your are asking for cash i think is the same

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I think its somehow rude to specify what kind of gift you wish to receive in the invitation. However, you can always do it in a subtle way, thru conversations with friends and families...