Investing in the stock market, particularly with a long-term mindset, is a proven way to build lasting wealth. By owning a diversified basket of stocks with the intention of holding them for at least a decade, investors can set themselves up for success. Of course, figuring out what individual stocks to own is the hard part.

Take Upstart (NASDAQ: UPST): It certainly has the disruptive attributes, especially its focus on artificial intelligence (AI), that can create strong returns. So naturally, investors are probably wondering if it has the potential to be a millionaire-maker stock one day.

Let's take a closer look at this AI lending platform to figure out whether this fintech's shares make for a smart investment over time.

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Source Fool.com