I think of tattoos more as a hobby than a luxury.
A luxury is something I treat myself to when I have time/money/cravings (I'd sell my mother for some chocolate ice cream at the moment.)
A hobby is something (IMO) that I find important enough to make time/money for. Yep, my car is a piece of shit. Yes, I'm pretty broke at the moment. But I wanted more tattoos, so I made the effort, cut back on frivolous spending, and got some tattoos.
Those tattoos will outlive the new clutch my car needs; I'll still be enjoying them 10 years from now, when I'm doing something totally unrelated to my goals at the moment.
Lets face it, life is super unpredictable. I'm gonna do what I enjoy, cause if I have a heart attack and die tomorrow, my tattoos will be in the box with me... my savings account won't.