In Etrian Odyssey 4, there seem to be three tiers of skills: Novice, Veteran, and Master. I'm not allowed to buy skills in the Veteran tier until level 20, and Master even later than that.
I'm trying to plan out my party's builds and would like to know if I can save up skill points during levels 1-20 so that I can dump them all in the Veteran tier once I unlock it.