Very much depends on the tourney structure, your stack size, when you reached the money, your opponents at your current table, their stacks and style. If you were doing well until the money, it is a bit easier, you can choose the short-stacks at the table and try to haunt down them even with weaker hands, as you will have the
odds, at least, as it is common sense, I do it like this. If I am short-stack or at least under 15-20BB I try to choose the cards for playing what I think good for all-in, even if I just mini-raise, never fold for pre-flop raise, even on the flop try to pull in for all-in some opponents. Yes most of the time you relegate, but if you do not play you definitely relegate before FT - or wait for total monster hands. If you relegate mostly in the last 2-4 tables phase, then you probably keep up this style in that phase, too. In that time, I try to set back for tighter play, if I have enough chips, still stealing blinds, but rarely want to go all-in. Depends on tourneys, as you can't play it in a faster or turbo tourney, but in deep structures, 10+ minutes blinds, it is okay for me.
Of course, at least 10-15 times I relegate before FT, sometimes it is like 50+ ITM tourney, till I reach an FT again, but you play for FTs and top 3, at least me, especially if I am in the money, then the FT the target, then top 3. My problem is the heads-ups on the FTs, I lose 65-70% of those, and it is not because of variance, cards, as I have 200+ MTT heads-up, I am not good in that.
Recommend you, try to look at 200-300+ tourney, where you reached money, at least, probably more, there is a wild 'variance' in
online poker, RNG, definitely wilder than in live poker. And take attention what tourneys you play, with what structures, try to select the best for you, and avoid the rest - I still can't do it all the time, and register for tourneys, what I know, I shouldn't.
Good luck!
Share your stat, if you have enough tourneys played for a real sample.