White streaks on the nail bed, known as leukonychia, may have several causes: it could be: 1- True including: inherited, acquired (a range of liver, kidney, and other diseases, fungal infections etc ), idiopathic (no particular cause) 2- false "pseudoleukonychia", or 3- Combined.
In short, you need to have your fingernails examined to determine the depth of involvement in terms of nail bed layers, and rule out any systemic diseases, and treat accordingly.
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It is recommended that all individuals see a Family Doctor for a full medical examination annually. Adults should get their blood pressure checked (US Preventive Task Force), a flu vaccine (CDC) and more each year.