What can a team member do that I can do?

Access has three levels, not two, and the job title you pick is what sets them — this page used to say it did not, and that was wrong.

Office seats (Manager, Operations, Sales Rep) reach everything operational: Home, Money in, Ask Des, Get Paid, Customers, Jobs, Team, Goals, Emails, Expenses, Profit and Ads. Bookkeeper is its own seat — books, billing and customers, no outbound email, no pay rates. Nine pages stay with you: Owner finances, Cash forecast, Taxes, Businesses, Business report, Add-ons, Messaging, Settings and Jobs & Ops.

Field seats (Technician, 1099 Contractor) get their own work and nothing else: My Jobs, Schedule and Ask Des. Every money page redirects them, and Des will not give them revenue, receivables, expenses, pricing, anyone's pay or the tax position either — it answers about their jobs, schedule, materials and reminders, and says plainly that the rest is yours.

You can widen one person afterwards in Settings → Team & seats → Access & permissions.