Is he only 30?

Plus he has a good college degree, and his wife can afford to stay home

Can afford to fuck up an entire Nuclear Powerplant and doesn't have to pay millions worth of damages on a "supposedly" daily basis. That's a goddamn chad move right there.

When the series started in the mid nineties that's really what it was like. Even an idiot with a dead end job could expect to have steady employment and own their home as long as they didn't fuck up to badly. Homer is a mid nineties loser and he's better off than most people these days.