Getting that unique that no one but a bum can get from sitting in the sun for hours asking for change. Bum tans take about one summer to fully blossom.
A bum tan is generally super leathery and looks similar to what a construction worker's tan.
Have you seen John lately? He's got a sweet bumtan going on.
For men or women: When going out in public and not wanting to dress appropriately due to desiring comfort over style and not caring what anyone thinks -- dressing down in one's at-home comfy clothes. Not shaving, etc. Looking like you just woke up, a bum.
Hey, let's go out tonight? Ok! But I'm dressing Bum-comfortable, like it or not!