"Cramer's Lightning Round: Assessing Risky Upstart, Oil Giant's Growth Potential, AT&T's Hold-off, and Top Dow Performers"

Jim Cramer, host of CNBC's "Mad Money," expressed caution about Upstart due to its risky nature and financial losses. He also declined to recommend Altria, citing personal reasons related to the tobacco industry. Cramer mentioned that he sees potential in SoFi, but prefers owning the stock rather than trading it. As for Nextera, he remains unconvinced.