How I would have done it.
def n_to_s(int)
    set1 = ["","one","two","three","four","five","six","seven",
         "eight","nine","ten","eleven","twelve","thirteen",
         "fourteen","fifteen","sixteen","seventeen","eighteen",
         "nineteen"]
    set2 = ["","","twenty","thirty","forty","fifty","sixty",
         "seventy","eighty","ninety"]
    thousands = (int/1000)
    hundreds = ((int%1000) / 100)
    tens = ((int % 100) / 10)
    ones = int % 10
    string = ""
    string += set1[thousands] + " thousand " if thousands != 0 if thousands > 0
    string += set1[hundreds] + " hundred" if hundreds != 0
    string +=" and " if tens != 0 || ones != 0 
    string = string + set1[tens*10+ones] if tens < 2
    string += set2[tens]
    string = string + " " + set1[ones] if ones != 0     
    string << 'zero' if int == 0    
    p string
end
for the purpose of testing;
n_to_s(rand(9999))