The first 1,000 days of human life — spanning conception through approximately age two — represent a period of extraordinary biological plasticity during which stress exposures can permanently reshape developing systems. This review by Vitalis and Verney synthesizes evidence on how stressors encountered during gestation and early infancy alter the architecture of the brain, the stress-response axis (HPA axis), and related physiological systems in ways that can persist across the lifespan. The authors trace how maternal stress, whether from psychological adversity, nutritional deprivation, infection, or environmental toxins, crosses the placental barrier and influences fetal neurodevelopment through glucocorticoid signaling and epigenetic mechanisms. Early-life stress during infancy — including caregiver disruption, poverty, and trauma — compounds these prenatal effects by further programming stress-reactivity circuits during sensitive windows when they are still highly malleable. A central message is that allostatic overload occurring during these windows does not simply cause transient distress; it calibrates set-points for immune function, metabolic regulation, and emotional reactivity in ways that elevate risk for mental health disorders, cardiometabolic disease, and accelerated biological aging decades later. The review likely draws on animal models, human longitudinal cohorts, and neuroimaging studies to build a mechanistic picture of these programming effects. Understanding this biological logic has major implications for where preventive interventions — social, clinical, and policy-level — can achieve the greatest return on investment.