Gambling and playing digital games can lead to problems for some people. Understanding what factors might make people more vulnerable to these problems is important for developing prevention and intervention efforts. The purpose of this study was to look at whether stress and loneliness—both separately and combined—increase problems with gambling and digital gaming over time. The researchers surveyed 1,530 Finnish adults between Spring 2021 and Autumn 2023. A total of 753 participants completed all six survey waves. The results showed that stress and loneliness increased problems with digital gaming over time, while only stress increased problems with gambling over time. The combination of stress and loneliness had a weaker effect than each separately on both types of problems.