What causes toe nail fungus?
When a yellow or white spot appears under the tip of the toenail, it may be an indication of a fungal infection. A toe nail infection is defined as anytime fungi infects one or more of your toenails. Although these infections may start out small and appear insignificant, the toenail fungus can spread rapidly beneath the nail, resulting in toenails that are thick, crumbly and discolored. This can be unsightly and embarrassing, and such infections can be painful and difficult to treat.