It is not unusual for people to get a fungal nail infection at some point in their life. Typically, a fungus gets in when the nail gets damaged through bad cutting, and it is not unusual for the fungus to be a part of the patients own 'special brew'.
We all have a variety of organisms on our skin, and we rely on them to keep our skin healthy. It is only when one organism gets an advantage over the others that an infection 'takes hold'.
The nail is often thought to be dead, but fortunately it was never alive - otherwise cutting it would hurt.
Note, if your parents or partner ever cut your nails and it hurt: this is not because they were cutting live nail, it's because they were cutting the live skin next to the nail!
It is very easy to manage an infection in the nail at the tip of the toe, and much hard to manage it when the infection is further back.
Getting to the nail sooner is preferable, but if you have left it, don't worry, I'm sure I'll still be able to help - one way or another!
Causing white, brown or yellow discolouration of the nails as well as crumbling and/or thickening of the nails, fungus can be unsightly and cause discomfort.