C# How to avoid null reference exception

I have the following line of code and it is giving me a null reference exception.  Can someone please show me the correct way to write it.  I have tried about 100 different ways, but can't seem to get it.

MyMonetaryValue is an optional user input.  If they don't put anything, I get the exception.  I want to either return the value or 0 if it is null

get { return string.Format("{0:C}", MyMonetaryValue); }

Thanks in advance for any help.
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Fernando SotoRetiredCommented:
Try it like this

get { return string.Format("{0:C}", (MyMonetaryValue != null) ? MyMonetaryValue : 0); }

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PSCTECHAuthor Commented:
Thanks for the quick and accurate response
Fernando SotoRetiredCommented:
Not a problem PSCTECH, glad to help.
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