How to get rid of fungal toe nail my toe nail is very hard, I peel of the top off just to keep build up

Have them evaluated. There are topical and oral antifungal medications available for the treatment of nail fungus. Specialized lasers are also now available for treatment of fungal nail infections. Have your nails evaluated and get the appropriate treatment.
I . I wrote a health guide that discusses this very topic and have provided the link to it below. Hope this helps you.