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Supporting a family while your spouse is in the military is not easy. Because military families typically move every two to three years, the spouses are constantly on the move, making it difficult to keep a steady job and pursue a career.

“You never know what will happen, you never knew when to move or where to go,” said Flossie Hall, a mother of four whose husband Michael is a US Navy chief petty officer.

“You get down psychologically and emotionally because you can’t chase your career goals, you can’t really hook up,” she added. “You are really losing your sense of identity.”

Military spouses often face higher unemployment rates than their civilian counterparts. In 2019 they had a 26% wage gap and an unemployment rate of 22%. An unemployment rate of up to 35% is expected this year.

Flossie Hall, a mother of four whose husband is Michael the Chief Petty Officer in the U.S. Navy, co-founded the Association of Military Spouse Entrepreneurs (AMSE) to help military spouses start and grow businesses.

Kelli Taylor | Purple tree photography

This is why Hall and many others turned to entrepreneurship. Of the more than 12 million military spouses in the United States, 48% are self-employed, business owners, or seek to become self-employed, according to the Military Chamber of Commerce for Spouses.

“You don’t have to get into traditional employment and quit your job every two to three years,” Hall said. “You can start your own business and choose your own salary and career path.”

She was a co-founder of the Association of Military Spouse Entrepreneurs (AMSE).

“When I started AMSE … there were a lot of great resources for veterans and seasoned entrepreneurs and entrepreneurs, but nothing specifically for military spouses,” she said.

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Marine veteran Melissa Green, mother of four and the wife of Landis Green, a retired Gunners Mate in the US Navy, is one of the nearly 2,000 entrepreneurs Hall has helped.

“At least for me, it was quite difficult to start a business because I didn’t know there were ways to start a business while my husband was in the military,” she said.

However, with the support of AMSE, she started her own coffee company Southern, Sweet & Sassy from her home earlier this year.

Navy veteran Melissa Green, mother of four and the wife of Landis Green, a retired Gunners Mate in the US Navy, started her own coffee company from her home this year.

Melissa Green

Certified financial planner Tara Falcone continued to pursue entrepreneurship after starting her career on Wall Street. With her husband John Falcone, Frequently deployed as an officer in the US Navy, she found more flexibility in entrepreneurship. She founded the financial technology company ReisUP and said she would advise other military spouses struggling with the military lifestyle to also consider starting their own business.

“I’ve never felt so determined and excited about the future,” she said.

Here are Falcone’s top tips for military spouses interested in starting their own business:

1. Create a legal person

Form an S Corporation, Single Member LLC, or C Corporation to ensure you can deduct certain expenses you have for your business. That can offset any revenue you bring in.

2. Use an accountant

If you are running your own business and generating income, you will most likely have to pay estimated quarterly taxes on your company’s projected income or profit for the year. To make sure you’re doing everything right, Falcone recommends working with an accountant.

3. Create and maintain an emergency fund

“Entrepreneurship can be very up and down,” said Falcone. “Depending on your industry and what’s going on in the market … it’s not always a steady, expected, and easy path.”

She advises making sure you have a rainy day fund for both your business and your family. This way, you can keep your business going even if you hit a bump and have low income.

4. Contribute to retirement

Even if your military spouse is contributing to their retirement plan, you should also be contributing to retirement on your behalf, Falcone said.

You can do this by funding an IRA, either a Roth IRA or a traditional IRA. Even if you haven’t earned any income that year, your spouse can contribute to a spouse IRA on your behalf, up to the maximum annual amount. Depending on the structure of your company, you can also create SIMPLE IRAs, SEP IRAs, or Solo 401 (k) s. According to Falcone, this offers additional tax advantages depending on the financial situation.

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England striker Jadon Sancho (C) is comforted by his teammates after missing a penalty in the UEFA EURO 2020 final between Italy and England at Wembley Stadium in London on July 11, 2021.

Laurence Griffiths | AFP | Getty Images

A university withdrew an offer from a student after racist abuse against English players after the EURO 2020 final.

Video footage from a Snapchat group chat was circulating on Instagram in which a person was heard using racist language to Marcus Rashford, Jadon Sancho and Bukayo Saka, who each missed penalties in the shooting at Wembley Stadium.

A spokesman for Nottingham Trent University said: “This allegation does not apply to an NTU student. We do not tolerate any form of discrimination, including racism.

“We dealt with this matter immediately and withdrew an offer from an applicant.”

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Police have arrested five people for racially abusing English players online since the defeat by Italy on Sunday.

Prime Minister Boris Johnson announced on Wednesday that the government plans to extend football bans over online racism, while social media companies face heavy fines if they fail to remove the abuse from their platforms.

ENSIVAL, BELGIUM – JULY 16: Citizens evacuate their flood damaged homes on July 16, 2021 in Ensival, Belgium.

Olivier Matthys | Getty Images News | Getty Images

Heavy rains and floods have wreaked havoc in parts of Western Europe, and rescue workers are currently trying to prevent further damage.

The death toll rose to over 150 on Saturday, according to media reports, with that number expected to rise as the tides recede.

Parts of Switzerland, Luxembourg and the Netherlands are affected, but the worst floods are reported to be in Germany and Belgium.

The Rhineland-Palatinate district of Ahrweiler is one of the most severely affected areas, along with North Rhine-Westphalia, the most populous federal state.

The World Meteorological Organization announced on Friday that some parts of Western Europe had rained for up to two months in just two days.

Partially sunken caravans and mobile homes in flood at the De Hatenboer campsite in Roermond, Netherlands.

This aerial photo shows caravans and motorhomes partially submerged in flood on July 15, 2021 at the De Hatenboer campsite in Roermond

ROB ENGELAAR | AFP | Getty Images

The aerial photo shows an area in the Erftstadt district of Blessem that was completely destroyed by the floods.

TOPSHOT – The aerial photo shows an area in the Blessem district of Erftstadt on July 16, 2021, which was completely destroyed by the flooding.

SEBASTIEN BOZON | AFP | Getty Images

In the Rue de Tilff in Angleur, a district of Liege, Belgium, people use a boat to get people out of their homes.

ANGLEUR, LIEGE, BELGIUM – JULY 16: People use a boat to get people out of the house after a heavy storm on July 16, 2021 on “Rue de Tilff” in Angleur, a district of Liege, Belgium.

Thierry Monasse | Getty Images News | Getty Images

Flood damaged houses in Ensival, Belgium.

ENSIVAL, BELGIUM – JULY 16: Citizens clean their flooded houses on July 16, 2021 in Ensival, Belgium.

Olivier Matthys | Getty Images News | Getty Images

A broken bridge can be seen after a major flood in the Ahrlweiler district in the German mountain Eifel in the village of Sinzig, Germany.

SINZIG, GERMANY – JULY 16: A broken bridge can be seen in the village of Sinzig, Germany on July 16, 2021 after a major flood in the Ahrlweiler district in the mountain Eifel of Germany.

Adam Berry | Getty Images News | Getty Images

Destroyed houses and cars pictured in Schuld, Germany.

SCHULD, GERMANY – JULY 16: Destroyed houses and cars, pictured on July 16, 2021 in Schuld, Germany.

Stringer | Getty Images News | Getty Images

Streets and houses in Bad Neuenahr – Ahrweiler, Germany, damaged by the flooding of the Ahr.

BAD NEUENAHR, GERMANY – JULY 16: Streets and apartment buildings damaged by the flooding of the Ahr can be seen in Bad Neuenahr – Ahrweiler, Germany on July 16, 2021.

Sascha Schuermann | Getty Images News | Getty Images

Resident stands in front of her property in Bad Neuenahr – Ahrweiler, Germany, which was destroyed by the flood.

BAD NEUENAHR, GERMANY – JULY 16: Resident Elke Wissmann stands in front of her property in Bad Neuenahr – Ahrweiler, Germany, which was destroyed by the floods on July 16, 2021.

Sascha Schuermann | Getty Images News | Getty Images

Deaths from the coronavirus are increasing again as the delta variant rips through unvaccinated pockets of the country, the director of the Centers for Disease Control and Prevention said Friday.

“After weeks of declines, seven-day average daily deaths have increased by 26% to 211 per day,” Dr. Rochelle Walensky said during a press briefing.

New cases are also on the rise, with a current seven-day average of 26,300 cases, according to the CDC. That is an increase of roughly 70% from the seven-day average last week.

The seven-day average for hospitalizations is now at 2,790, up about 36% from a week ago after weeks of decline.

Reflecting on the new numbers, Walensky said the pandemic has now become a “pandemic of the unvaccinated.”

“We are seeing outbreaks of cases in parts of the country that have low vaccination coverage because unvaccinated people are at risk, and communities that are fully vaccinated are generally faring well,” Walensky said.

Just four states accounted for more than 40% of all new cases in the past week. One-in-five cases occurred in Florida alone. Florida dropped Covid-related public health measures much earlier than most states.

“Local policymakers might consider whether masking at that point would be something that would be helpful for their community until they scale up their vaccination rates,” Walensky said about states with low vaccination rates.

The five states with the highest case rates — Arkansas, Florida, Louisiana, Missouri and Nevada — had a higher rate of new vaccinations compared with the national average. In the past 10 days, 5 million Americans have received a Covid vaccine, according to White House Covid response coordinator Jeff Zients.

The U.S. is reporting an average of 530,000 daily vaccinations over the past week, according to the CDC. More than 3 million shots per day were being reported administered at peak levels in April.

About 65% of Americans ages 12 and older have received at least one dose of a Covid vaccine, and 56.5% are fully vaccinated, CDC data shows.

Walensky maintained that the Pfizer and Moderna vaccines are highly effective against the delta strain, though studies have shown decreased efficacy of the vaccines against the highly transmissible variant.

Israel’s Ministry of Health published preliminary findings that put the efficacy of the Pfizer vaccine at preventing infection from the delta variant at 64%. The study also indicated similar efficacy in preventing severe disease from the virus variant after two doses. Some experts have criticized the study out of Israel, citing issues in Israel’s genomic surveillance.

Other studies, from Public Health England and The Lancet, put prevention rates for the delta variant after two doses of a Pfizer vaccine at much higher numbers. Walensky also cited numbers “exceeding 90%” in mRNA vaccine protection against hospitalization and death from the delta variant.

The conflicting data has compounded worries of Covid infections that bypass vaccine protection. Dr. Anthony Fauci, chief medical advisor to the president, said Friday that someone who experienced a breakthrough infection is highly protected against symptomatic or severe disease and even has less of a chance of transmitting the virus to others.

An asymptomatic person who is infected with Covid despite being vaccinated has much lower levels of the virus in their nasal pharynx than someone who is unvaccinated, asymptomatic and infected with the virus.

“Based on that, you could make a reasonable assumption that the rate of transmissibility from the asymptomatic vaccinated person to a non-infected person would be less likely than if the person was unvaccinated,” Fauci said.

Current rates of asymptomatic breakthrough infections are largely unknown after the CDC decided to count only the breakthrough cases that resulted in hospitalization or death. That move was criticized by health experts worldwide.

Of the cases documented by the CDC, about 75% of breakthrough cases that resulted in hospitalization or death occurred in people over the age of 65.

More than 97% of Americans who are entering hospitals with symptomatic Covid infections are unvaccinated, according to the CDC. Still, the breakthrough cases have raised questions about the need for a booster dose for fully vaccinated people to target emerging variants.

“At this time, the CDC and FDA have said Americans who have been fully vaccinated do not need a booster shot,” Zients said. He added that the booster recommendation could change if the science indicates a need for the shots.

The White House is also calling on social media and technology companies to up their efforts in filtering out misinformation about Covid and vaccines.

“Technology companies have enabled misinformation to poison our information environment with little accountability to their users,” U.S. Surgeon General Vivek Murthy said Thursday.

In his first advisory issued since the beginning of President Joe Biden’s term, Murthy said that advisories usually reserved for dangers in what Americans eat, drink or smoke must now be extended to fast-spreading health misinformation because it has “cost us lives.”

“Addressing health misinformation is an urgent challenge of moral and civic responsibility that we must meet together,” Murthy said. “The longer we wait, the more lives we lose.”

— CNBC’s Nate Rattner contributed to this report.