A tattoo is forever, following you into retirement. How many future retirees will look at their sagging tattoos and wish they had saved more for retirement?
How much are you spending on tattoos that provide no economic return while claiming you can't afford to contribute to an Individual Retirement Account? When I see people with extensive tattoos my first reaction is: "bet they aren't saving for retirement!" You can start an IRA with as little as $100 to open an account. Check out Schwab mutual fund company's target retirement index funds. http://www.schwab.com/public/schwab/investing/accounts_products/investment/mutual_funds/mutual_fund_portfolio/target_funds