I'm asking cause I wanna dump a good portion of my income into a btc savings, just not sure if I should while its hit a nice 200k nzd or if it may drop down for a period and climb back up
No one will know for sure when Bitcoin will experience a decline. When you start to invest, the doubts you have can sometimes be an obstacle. You should already know that Bitcoin will only provide good profits to you if you hold it in the long term. So there is no problem if you buy now. I understand your intention to get a lower price for buying, but such a strategy should rely on you having a large capital. It's okay if you wait for Bitcoin to drop, that situation will definitely happen. But I am not sure how deep the decline will be and when it will happen.