People work with a therapist for many different reasons and there’s no specific formula to deciding if you would benefit from seeing one. Some people see a therapist when they are experiencing a crisis, having conflict in their relationship (s), feeling intense sadness or grief, constantly anxious, stuck in life, frustrated with work, inadequate or insecure, wanting to explore their identity, feeling disconnected, or wanting to better understand themselves and their past, so that they can become the best version of themselves they can be.
This is to say, it doesn’t have to be an absolute emergency before you see a therapist, and if it is, you’ve probably waited too long before reaching out for help.
In essence, it’s time to see a therapist when you feel it’s time to see a therapist.