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The laws I have are:
Monarchy
Land Voting
Cultural Exclusion
State Religion
Elected Bureaucrats
Professional Army
No Home Affairs
Traditionalism
Isolationism
Land-based Taxation
Tenant Farmers
Frontier Colonization
Local Police
No Schools
No Health System
Censorship
No Workers Rights
Restricted Child Labor
Propertied Woman
No Social Security
Closed Borders
Slavery Banned
Looking at these laws I see that a big part of the reason I need less construction to max out my investment is because I have traditionalism which lowers the investment pool contribution efficiency of aristocrats, capitalists, farmers, clergymen, and shopkeepers by 50%, because Japan starts with that and I've not had anyone arrive that could pass any other law given that Japan has closed borders so I can't just add an agitator that already has that goal. If I had twice as much money being added to the investment pool then I would need twice as much construction to utilize it. I'm not sure if the other 50% that was reduced is just lost or if they just use the other 50% to increase their SOL.
Of these laws Propertied Women reduces the birth rate and increases the work force rate and may also increase the mortality of the population indirectly since some jobs have additional mortality rate such as mine jobs. Restricted Child Labor increases the mortality rate for Farmers, Laborers, and Peasants.
Health system laws typically reduce mortality, but I don't have any of those. Having no welfare laws makes unemployed peasants starve faster than having them and that will increase the mortality rate of them to keep their population from growing too much.
If you don't provide any of the laws that provide increased health, workers benefits, or labor protection and you put all the women to work so they won't be at home making babies and you allow the unemployed to starve a bit the population growth seems to end up pretty small.
Hey thanks for the very wholesome answer that almost explains everything about this game!
Switch early did help alot!