Well if the question is 'what is a monad' then the most straight forward explanation is that it is an abstract mathematical concept in category theory and that there are certain laws that have to be satisfied. You can even draw really pretty pictures of those laws
http://math.ucr.edu/home/baez/week92.html#tale.
The advantage of mathematics is that it cleanly separates the external view and internal view of a concept. The axioms are easy to state abstractly and they are the most important part, haskell only allows to abstractly define the type of the operations, but can't abstractly enforce the laws. Rather any instance of the typeclass is assumed to satisfy the laws.
Those happen to also hold for certain constructions in functional programming languages, like lists (the list monad) and several others, not by coincidence, but because those languages have a close connection cartesian closed categories.
I firmly believe it is not helpful to explain something by analogy, because an analogy only goes so far. The mathematical notion of a monad is not complicated at all and is only obscured by writing page after page about them in the syntax of some arbitrary programming language.