I got a tattoo at 21 simply because my friend talked me into it, but I thought long and hard about it, realizing it was permanent, and even went so far as to ponder putting my Daddy's name across the back of my neck! WOW! Glad I didn't do that, he would've really despised that. I ended up getting a tat on my left shoulder blade of two panther claws clawing their way out of my back. (I said "Mom! Do you like it!" She was so shocked all she could say was, "Well. I can't take the skin off your back, can I?"
) I don't regret mine even though the original reason I got it was really ignorant, but now I can look at it in a different light. Looks decent, hidden by shirts, wasn't painful, but was way expensive at 160 bucks (But a great clean shop so it's all good). Mildly annoying as I was told it would only take an hour and ended up taking 2, but the guy who did it was great. It's TRUE what some say, that once you get one you'll always want another (least for me) I would agree with getting it below T-shirt lines, even though most employers are opening up to tat's that show. A friend of mine practically has sleeves and works for a health insurance company, but there are no guarantees who will be okay with what anymore. Just be sure if you want it, you get what you want and pick a reputable person/tat shop to do it. I like the placement of mine because I can wear a shirt and hide it, or wear a wife-beater and show it.
Good luck on your experience.