Some people take Maya to mean just money, which is incorrect.  The divine meaning of Maya is described as being the sum of these three aspects – Rajo, Tamo and Sato.   In Gur Bani, Maya has been called the darkness, it has also been called the scum, the mud we are living in.  It has also been called the Nagni, the cobra sitting on our head at all of the times ready to bite.  At any time we can do a self evaluation of any deed we perform and find that it falls under one of the above aspects of Maya.