So, you have brought your concerns to your doctor? Your primary care doctor should be your starting place. They has you do the blood test and urinalysis? What did they say about your results? When we, non medical people, try to interpret results or diagnose ourselves, it can go all wrong. Best to let the doctor you see do that. Here's an article on Terry's Nails which started your concern. https://www.healthline.com/health/terrys-nails#causes Does your doctor agree that the presentation of your nails is similar to this? There are other things that can cause it. Things like type 2 diabetes, liver issues, etc. You have no other symptoms of anything? How old are you, if I may ask? If you are obese, I'd think perhaps having your sugar checked looking for type 2 diabetes or prediabetes would make sense. It is always a good idea to lose weight as that will improve your overall health. I'd again, ask a doctor to OK your exercise plan and diet if you start one. But start by cutting out one thing. That can be a good jumping off point. And also, intermittent fasting can be helpful. Stop eating after dinner say at 6:30 and do not eat again until morning the next day. Keep yourself properly hydrated.