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70 reviewsABSTRACTKeywords:Emerging adulthood is a developmental period marked by both opportunity and vulnerability, where well-being Well-beingdepends heavily on effective stress regulation. Given that hypothalamic-pituitary-adrenal (HPA) axis is a key Hypothalamic-pituitary-adrenal (HPA) axisbiological system in stress regulation, this multi-study explored how cumulative genetic variations in the HPA Cumulative genetic scoreaxis contribute to well-being during this stage. In Study 1, a cross-sectional analysis of 1318 participants, showed Cross-sectional analysisthat a higher cumulative genetic score (CGS), reflecting more adaptive HPA-axis functioning, was significantly Longitudinal analysisassociated with greater scores on affect balance, life satisfaction, and overall flourishing. Study 2 used a longiMediation analysistudinal design (N = 348) and confirmed that these associations were stable over 12 months. Study 3 explored underlying mechanisms, demonstrating that the higher CGS predicted greater social adaptability and lower perceived stress, which mediated the link between the CGS and well-being. Together, this research indicates that the polygenic sensitivity of the HPA axis supports well-being through modifiable psychological pathways in emerging adulthood.