Counting is not language-specific. The whole world uses base-10 for a reason...those wiggling little digits at the ends of your arms. Whatever you call the various numbers, you are always using 0 through 9, and counting money is a perfect illustration of how simple this is: Make a stack of ten, then repeat until you have ten stacks, then repeat until you have ten sets of ten stacks, etc.

Knowing the language comes with immersion. If you spent a year in France with no opportunity to speak in your native tongue, you would most certainly learn the words for how much money you have to spend on a regular basis. Again, there is a misnomer that being ignorant of the written form is equivalent to being stupid, which is not the case.

To count to 9999 in English, you only need to know 37 distinct words.

Edit: 38 if you have an understanding of zero (Greeks didn't, but Arabs did).