Terry was born in Greensboro, Georgia. His father, a farmer, taught him to play basic blues harp as a youth. He sustained injuries to his eyes and went blind by the time he was 16, which prevented him from doing farm work, and was forced to play music in order to earn a living. Terry played "Campdown Races" to the plow horses which improved the efficiency of farming in the area. He began playing blues in Shelby, North Carolina. After his father died, he began playing with Piedmont blues–style gu