Start with the place value
In 4.2, the 4 is in the ones place and the 2 is in the tenths place. The decimal has one digit after the decimal point, so the amount is measured in tenths.
Reading 4.2 as “four and two tenths” makes the fraction conversion easier to see. Four wholes are 40 tenths, and the extra 2 tenths make 42 tenths altogether.