We test three risk models (independent-additive, interactive, and exponenti
al) to examine how multiple risk factors in the family environment-overt in
terparental conflict, poor parenting, and economic hardship-operate conjoin
tly to predict youth problem behaviors. The sample includes 335 preadolesce
nt and early adolescent youth. Findings from this study support the pattern
of independent, additive effects of individual family stressors. We found
no support for the idea that the effects of poor parenting, overt interpare
ntal conflict, and family economic hardship exacerbate one another; nor did
the converse serve as buffers. The independent, additive model explains mo
re variance in externalizing problem behavior for youth in nondivorced, two
-parent households. Poor parenting is the strongest risk factor. Economic h
ardship is the only significant risk factor for youth internalizing problem
behavior.