To write 39,650 in words, break it into place-value groups.

• 39 thousands → "Thirty-nine thousand"
• 650 → "six hundred and fifty"
• Combine: "Thirty-nine thousand, six hundred and fifty"

Option A says "three hundred and ninety-six thousand" = 396,000 — wrong.
Option B says "thirty-nine hundred" = 3,900 — wrong.
Option C says "three hundred and ninety thousand" = 390,000 — wrong.
Option D matches: thirty-nine thousand, six hundred and fifty.

Final Answer: D: Thirty-nine thousand, six hundred and fifty