In the current study, we examine the joint association of early life clinical/environmental risk factors and PGSs with SUDs in early adulthood across four longitudinal cohorts: the National Longitudinal Study of Adolescent to Adult Health (Add Health); the Avon Longitudinal Study of Parents and Children (ALSPAC); the Collaborative Study on the Genetics of Alcoholism (COGA); and the youngest cohort of the Finnish Twin Cohort Study (FinnTwin12). These samples include population-based cohorts from three countries (United States, England, and Finland) and a predominantly high-risk sample. Two of the samples (COGA and Add Health) are ancestrally diverse. We focus on early adulthood as this is a critical period for the development and onset of SUDs [18]. Our research questions are guided by the understanding that risk factors for SUDs range across multiple levels of analysis.