Using a framework of intersectionality and Black feminist thought, this paper provides a conceptual exploration of the socialization process among African American mothers and daughters, with special attention given to the ways in which African American girls become aware of their mother's attitudes and beliefs concerning romantic relationships. Edmondson Bell, E. L., Nkomo, S. M. (1998). Journal of Comparative Family Studies, 29, 285-295 labeled this process armoring. I propose a model of sexual risk for low income African American girls in which the armoring process serves as the focal point. I then provide a conceptual discussion, comparing my proposed model to current social cognitive models in its ability to comprehensively explain the correlates and predictors of sexual behavior among this population. Implications concerning sexual risk prevention efforts are also discussed.