When something's not working in your car, you take it to the mechanic. When something's not working in your life situation, you take yourself in to the counselor! A counselor is simply an ordinary person who has received special training in working through life's problems and can give you tools to overcome what you're dealing with! Which means if you're having a struggle and you don't know what to do next, that is the perfect time to seek out a counselor.
Counseling can also be helpful even when something's not necessarily "wrong" - but maybe when you just want something to be more healthy than it is now. This might be your marriage, your career, your relationship with your family, or more. Our job as counselors is to help you with whatever you bring into us.
If you're at the point where you're ready to commit to changing something in your life or about your life, then that's when you should get counseling.