<human>: Can you provide a brief rundown of the text in within 3 sentences?

So, My situation is that my parents are funding most of my wedding. They have set a strick budget and anything over must me paied back by me and my fiance out of our gift money after the wedding. I am already going over the budget and im keeping things pretty basic. Also me and my fiance have been living togeather for quite some time and already have eveything that could possibly be on a typical registry. So my question is, Is there a nice way of saying we would prefer cash insted of tosters and sheets?
My mom is segesting that we add an extra little card saying '' help Amanda and D`Arcy realize there dream of buying there frist home'' which we are trying to do within the next couple of years, and any money left over would definately go towards our down payment. I just don`t want to offend any one. Any form of insight would be a geat help.
<bot>: Do I sound greedy asking politly for cash insted of physical gifts? and is there a polite way to say it?