I agree with others that it is never too late to see a therapist. It is very important to find the right person for you. They must of course be qualified and good at their job, but it is such a personal thing that you need to feel able to relax and be honest with this person, who you are entrusting with very important information about yourself and your life. So therapists understand this and if the first person you find just does not feel right for you then look for another one. They will understand.
I had to have a woman therapist, because some very significant things involving men, meant that I could not trust myself to discuss properly things with a man and there was a tension, where I felt that - as happened in the past - when you tell someone very serious things you actually give them the opportunity to use this information to hurt you or make you feel very vunerable. So even when I found a very suitable woman, extremely good at her job, I still took some weeks before I could actually speak about the root matters. You can never deal with something if you are not able to actually look at it and speak about it. So I am 80 now, and I have had to control things for many years and keep things hidden, but I think there comes a point where you cannot hold it down any longer without it causing you stress and pain. I thought of it like leaning against a door, not allowing it to open, but as I have got a lot older, dont have the strength to keep that door shut, and when things are difficult in other areas it then it can open and allow things to arise in your mind. Therapy has eventually allowed me to look at something and find a way to cope a bit better. I do not think it will ever stop being a painful and difficult subject , but therapy has given me at least some tools and ways to deal with it , rather than just be back in terrible dreams etc etc. The greatest thing now is that all the effort and stress that I was using to keep that door shut, can be used to deal with the actual problems, and I genuinly feel less stressed in general - so less tiring - and when things get difficult I do now have a few things that I can use to try and improve things.
I would also suggest that you do not discuss the things with family members or friends, as I see therapy as quite hard work and to work with an expert in this field, is much more likely to get results. But there may be a situation where you have started to open up about something and then feel that you cannot go on at that time. A professional counsellor will be able to help you make decisions that will improve your life. Talking to friends or family, you will have opened up about something that you feel very vunerable about, and then can feel upset or worried that they now know much more about you than you feel happy with.
The fact that you are asking about this, to me , is showing that over time you have come to a point where you are ready to make a change or at least look at this, so you are now receptive to accepting help. So I would go ahead, find out as much as you can about the various people who may be available to you. My only lasting regret is that I did not do it years ago. There are very hard times when I absolutely did not want to go to a session, to have felt incredibly vunerable and almost sick at the thought of finally speaking about something, but I struggled on and am so glad that I did. I hope you find the right person for you and are able to move on. I think it would be good if you looked about to see what and who are available. Then if ou get some sessions booked, you could tell your husband that for various reasons you have felt the need for counselling, and have now arranged to have this help. That (assuming he is not part of the problem) you just want him to know you are doing this , that he is not part of the reason and that if and when you feel able , you might in the future , be able to talk to him about this situation. In the meantime , whilst it may be hard at times during this hard work - which is what it is for you - the end result will definitely not worse than you are now, but extremely likely to improve things for you and then also for you both . I wish you all the best and hope you will be able to believe that you are worth giving this help to and that it will eventually improve your life.