Here's a little review:

"five hundred twenty-three"
(Notice that I didn't say "and twenty-three!")

"seventy-three thousand four hundred eighty-one"
(Again, I didn't say "and" anywhere.)

We're saving the big "and" for the decimal point!

Check this out:

OK, now it gets a little weird...  But, don't worry -- you'll get it.

Look at this guy:

You'll understand that last part a lot better when I show you how to convert decimals to fractions.

For now, just read the decimal part like a regular number... Then, stick on the "ths" that goes with the last spot.

Check it out:

By the way, I should probably tell you now that this is official "math-speak."  Right now, your teacher will read these numbers like this and will want you to do the same...  But, normal humans on the street (and even your future math teachers) will probably read them in a much more casual way.

 If that first guy was money...  He'd be