When reading numbers, "and" is usually used only on the last group of numbers in an amount. For example, "I spent $132 on books" would be read "I spent one hundred AND thirty-two dollars on books" or "We flew 1,230 miles" would be read "We flew one thousand (pause for the comma) two hundred AND thirty miles". You would not use "and" if it were a phone number, or an amount under 100.
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