Mental Model
Find the highest sum you can get by traveling along any path in the tree, where a path can start and end at any node.
Analogy: Imagine a mountain range where each peak has a height (value). You want to find the highest possible trail that can go up and down connecting peaks, but you cannot jump around; you must walk along connected peaks.
[10]
/ \
[2] [10]
/ \ \
[20] [1] [-25]
/ \
[3] [4]