Being English I write it as:
one hundred and twenty, and nine hundredths; or
one hundred and twenty point zero nine.
Americans are likely to write it:
one hundred twenty and nine hundredths
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8.4
Point two two five seven is in words. It is written because after decimal we write each number as single number.
Twelve and twenty five hundredths.
To write 2.061 in decimal words, you would say "two and sixty-one thousandths." This breaks down the number into its whole number part (2), the decimal point, and the fractional part expressed in words (061 as sixty-one thousandths). This helps to clearly communicate the value of the number in words.
Four hundred ninety five thousandths.