I found a font I would really like to use for a tattoo at some point, and the font says it's free for personal use. Does that mean I can use it as the font for my future tattoo if I print out the saying I want and bring it to the tattoo artist?

What is more personal than a tattoo?
Yes, as long as the tattoo artist doesn't use it himself to sell more tattoos without paying the rights. But he knows that.

in this case i'd say it's commercial :
The tattoo guy doesn't have to be an artist to tattoo you.
In order to earn easy money, he just needs to copy what the type designer created.

I think HE should pay

Do you tell me the name of that font? i also want to download it on my system..