I'm annoyed with a homeless guy
What is it about him that makes you annoyed?
I don't want to ruin my own life by getting near him.
There's no reason to be upset at a homeless person just because they are homeless. Being near someone who is homeless isn't going to ruin your life. Homelessness isn't a contagious disease that you can catch.
Yeah, whatever. I'll think about it.
I hope you do. Homelessness can strike anyone, and it doesn't make someone a bad person for being homeless. If you are more considerate and more open minded toward those less fortunate, you will have a happier life.