PeterBartholomew1 , excellent!
Let me combine all together
=LET(
Denom, {" Million, ";" Thousand ";" Dollars ";" Cents"},
Nums, {"","One","Two","Three","Four","Five","Six","Seven","Eight"," Nine"},
Teens, {"Ten","Eleven","Twelve","Thirteen","Fourteen","Fifteen","Sixteen","Seventeen","Eighteen","Nineteen"},
Tens, {"","Ten","Twenty"," Thirty"," Forty","Fifty","Sixty"," Seventy","Eighty","Ninety"},
grp, {0;1;2;3},
LET(
N, SUBSTITUTE( TEXT( A1, REPT(0,9)&".00" ),".","0"),
H, VALUE( MID( N, 3*grp+1, 1) ),
T, VALUE( MID( N, 3*grp+2, 1) ),
U, VALUE( MID( N, 3*grp+3, 1) ),
H.txt, IF( H, INDEX( Nums, H+1 ) & " Hundred ", "" ),
T.txt, IF( T>1, INDEX( Tens, T+1 ) & IF( U>0, "-", "" ), " " ),
U.txt, IF( (T+U), IF( T=1, INDEX( Teens, U+1 ), INDEX(Nums, U+1 ) ) ),
CONCAT( IF( H+T+U, H.txt & T.txt & U.txt & Denom, "" ) )
)
)