what is your backlinks strategy,if you want to rank heavy competition keywords

hello friends,i am curious if you want to rank heavy competition keywords in google,like pay day loan,what would be the backlinks strategy you would choose,we all know some keywords is too hard to rank,but do you think have a chance ?

Not a chance for payday loans unless you have a multi million dollar budget... so some in depth keyword research. There are many hidden gems that can be uncovered and used and you will still make as much money