Wealth is based on settlement size, because buildings and guilds are set to certain population thresholds. For example, mines and trade buildings can’t even be constructed until a town reaches a certain population. So the fast track to wealth is growing your settlements. You can best do this with farms, low taxes and a governor with high chivalry and also churches, town halls and trade buildings in cities.
If a settlement is a conquest, then occupy the settlement as this can increase chivalry of the conquering General/Governor which will increase population growth by .5% per point of chivalry (and will kill the least number of citizens). Always start by setting taxes to low, as this also will increase chivalry of the governor over time and directly affects population growth as well. Then build a church/mosque, as this too can increase chivalry of the Governor through traits and also adds .5% to growth for each 5% of happiness that the building causes in cities. Now, build all farms to increase population (and income). Also, if your governor is in a settlement with improved farms (+3) then this can allow the Overseer ancillary for a further bonus to farming (and mining). Trade can also add .5% to growth in cities as does the health bonus from the town hall series of buildings.
You shouldn’t have to worry with a garrison too much since taxes are low and you have a chivalrous governor. However, I construct the first guard building and keep the garrison up to the number of free “police” units allowed. Cities grow faster than citadels, so I always switch them to cities for rapid growth and switch them back when they have crossed the 9k population threshold. Remember, I believe minor cities cannot be switched, so just don’t upgrade them when they hit 6k if you want them to become fortresses. Also, don’t build things that will be lost in the transformation. Some factions don’t get a lot from citadels, so keep that in mind, too.
Whenever your settlements are upgraded, always construct those structures that increase population growth first. That way you get access to the best economic buildings and military units in the shortest amount of time. Once you have a booming population, everything else can be done more easily. Here’s the run down:
At .5% growth, a settlement’s population will double every 139 turns.
At 1% growth, a settlement’s population will double every 70 turns.
At 1.5% growth, a settlement’s population will double every 47 turns.
At 2% growth, a settlement’s population will double every 36 turns.
At 2.5% growth, a settlement’s population will double every 29 turns.
At 3% growth, a settlement’s population will double every 24 turns.
At 3.5% growth, a settlement’s population will double every 21 turns.
At 4% growth, a settlement’s population will double every 18 turns.
At 4.5% growth, a settlement’s population will double every 16 turns.
At 5% growth, a settlement’s population will double every 15 turns.
At 5.5% growth, a settlement’s population will double every 15 turns.
At 6% growth, a settlement’s population will double every 12 turns.
At 6.5% growth, a settlement’s population will double every 11 turns.
At 7% growth, a settlement’s population will double every 11 turns.
At 7.5% growth, a settlement’s population will double every 10 turns.
At 8% growth, a settlement’s population will double every 9 turns.
At 8.5% growth, a settlement’s population will double every 9 turns.
(I extended the table to 8.5% growth rate)
So a settlement with a starting population of 500 if left to grow at .5% would hit 1000 in 139 turns. If tweaked to grow at 5%, it would reach 32,000 in only 90 turns. The advantages are obvious
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