What it means
Means deal with a problem when it actually lands, not while it's still just doing cartwheels in your head. You say it to stop someone spinning out over future maybes and bring them back to what's in front of them right now. Old-school proverb, still dead handy.
Usage examples
"Planning the stag do, Jay’s panicking about the train strikes. I told him we’ll cross that bridge when we come to it, grab a pint."
"We do not know if it will rain, we will cross that bridge when we come to it."
"Stop worrying about the exam results, cross that bridge when you come to it."
"Mum's already stressing about what happens if the landlord puts the rent up next year. I said let's cross that bridge when we come to it."
"You're panicking about a date that isn't even booked yet. Cross that bridge when you come to it and finish getting ready."
Where it comes from
This is a long-standing English proverb that's been around since at least the 19th century, with even older variants floating about before that. The picture does the heavy lifting: don't waste your energy dealing with a bridge you haven't even reached yet. It survived because it's plain, sharp, and still lands in everyday chat.