Can I have an iPhone 14 with a regular SIM

Not if you live in the U.S.

The U.S. models don't have a SIM tray. iPhones sold outside the U.S. will still be able to use SIM cards.

No, if you buy an iPhone 14 in the U.S.

Do not buy an iPhone 14 in the U.S. if you plan to use it in another country.