'Zero, point, three four'. NOT 'point thirty four'.
Five and five hundredths
13.7 = thirteen and seven tenths.
25.4 = twenty-five and four tenths.
Three and six hundred twenty thousandths.
12.873 in words are: Twelve and eight hundred seventy three thousandths.
Point two two five seven is in words. It is written because after decimal we write each number as single number.
0.789 = seven hundred eighty-nine thousandths
Seventy-two and six hundred thirteen thousandths.