A study of 450 college students demonstrated (a) the importance of a distinction between self-produced and externally produced stressors, (b) the usefulness of a construct of productive load, and (c) stronger relations of the Constructive Thinking Inventory than of the Hardiness Questionnaire with productive load and with mental and physical symptoms. Because a major path through which coping ability influences symptoms is negative emotions, the widely recommended practice of partialing self-reported negative affect out of relations among coping, stress, and symptoms is often inappropriate. However, as total daily stressors (e.g., hassles) consist largely of self-produced stressors, it is highly confounded with coping ability, and it is therefore important to partial coping ability out of relations between total stressors and other variables.