Perhaps structure your work around your personal life.
Young and just want to party? Change jobs every 4 months - just don't damage your resume or reputation. When you're young and have few responsibilities change jobs with the sole requirement of keeping it until it becomes useless, or less useful than you could otherwise find somewhere else. Even if this means couch surfing for a while. The whole point here is to get experiences and exposure.
Ready to settle down with that special someone and start a family? You may want safety and consistency. And the older you get the less you may be willing to job hop. If you're married with children you probably want a more stable income, which means less movement. This is not necessarily a bad thing.
Kids out of the house and ramping up for retirement? It might not be the end of the world to swing big and go back to the startup life. Or you may have built up enough tenure and reputation that it would be unwise to leave. The point being is you have some flexibility here as long as you've made smart financial decisions along the way.