Sorry if this is somewhere here already. But I spent a half hour searching for it already. I just want to know if I can hold ninja trick points and use them for master tricks
What do you mean by 'points'? As in, can you choose not to gain a ninja trick and then pick up an extra Master at level ten?
If so, then no. You must pick abilities, feats, etc., as you gain them. Retraining is an option, but for class abilities retraining specifies that the new choice must be valid at the time you made the old one.