Should the URL aim for the long-tail keyword or the main related keyword?

Fairly new to SEO with a brand new site.

I want to rank for a low-volume, low-competition keyword as my site is new with no links but as I move on I could use the same page aimed for the main keyword.

Example:

What would be the best URL and title format to use?

Title: Best cheap [money keyword]

URL: cheap-[money-keyword]

(only focus on the long-tail keyword)

OR

Title: Best cheap [money keyword]

URL: [money-keyword]

(eventually change the title to "Best [money keyword]" and aim only for the higher volume keyword. URL won't need to the changed for that)

submitted by /u/140414
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