If you can't get one of the top 3 QBs, don't draft one until you've filled out the rest of your starting roster. I prefer having a higher ranked TE, as the slop guys there might get you only a couple of points in a down week, where the top 8 guys are usually good for 10+ on a regular basis.
Don't be afraid to get weird with late picks. Most of them will wind up getting cut anyway, if someone lands, you look like a genius (I hit on Deebo Samuel in the third-from-last round last year, same with Mahomes when he first became a starter).
I've won the one money league I'm in twice and have reached the finals twice in the 8 years I've been in it.