As someone who just finished my sophomore year as a math major, I think I can give some useful advice in the vale of tears that is a mathematics degree.
All in all, it comes down to how much your GPA matters to you versus how much math matters to you when choosing courses. Even if you are ridiculously smart, most of the stuff you see after calculus and linear algebra is going to be pretty damn hard, and in order to get something substantial out of those courses you'll have to spend a large amount of time staring at symbols.
So if you want to maintain a good GPA, limit your desire to speed ahead and focus on the recommended courses. You'll then have the time to be able to really understand the material and have good grades. Even if you were at the top of your class in high school, your GPA will benefit from understanding this. I would even recommend going slower than the pace set by the administrators. No matter how ready you think you are for a certain course, there will be a point where you have absolutely no clue what the fuck is going on. Trust me.
In my opinion, you will get as much out of doing this as you would if you sped ahead but kept the same work ethic. I use this heuristic: If I want to take another math course and have the same GPA and an increased net mathematical knowledge gain, I need to increase my work ethic by ten. If I'm missing a pre-requisite, I need to increase it by twenty. Grad courses are a hit or miss; sometimes they can be an easy, relaxed way to get into higher math, and sometimes they can be insanely hard.
Now, if you don't care about your GPA, then take as many math courses as you can. That's what I did. Worked my ass off for B's and C's. The only reason why it works for me (in terms of my level of satisfaction with my choices) is that I don't (and didn't) do much of anything other than math. So I was able to really delve into all of these topics and come out with internalized knowledge - but I had to sacrifice my ability to complete assignments on time and prepare adequately for exams. Had I focused on getting A's... I might've been able to do it, but it would be at the expense of optimal learning (not that I didn't try to get A's with my "internalized knowledge", I'm just really driving home the point that this shit is hard, especially in timed situations).
I guess what I'm getting at here is: don't overestimate yourself if you want to keep doing and loving math. Know your breaking point, or at least remember that you have one - you will hit it, and it will hurt. Even if you are not super into math and just want to use it another things, the core courses are still very hard and this advice is still valid. And if you do want to skip ahead and do as much as possible, think about how much harder you think you will have to work, and multiply that by ten. This is if you actually want to get anything out of these courses - I'm sure you can skip ahead and get A's, but you won't have gained much. Unless you're Gauss. (On that note, you will encounter a lot of this, even as an undergrad).
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Let me add to your description of the "Loci method" (also the basis of ancient Ars Memoria). You are using spatial memory (which is probably the evolutionarily oldest/most optimized) to piggyback the data you want to memorize.
There is an easier way for people who don't do that well in visualization. Divide a sheet of paper into areas, then write down notes on what you are trying to remember. Make areas somewhat irregular, and connect them with lines, squiggles, or other unique markers. When you write them, and when you look them over, make note of their relative position - formula A is in the left top corner, while formula Z is down and to the right of it, just beyond the spiral squiggle.
For a lot of people, this works just as well as Ars Memoria, and is a lot easier to learn and execute on the fly.
As a data point, I was always horrible at visualization. My friends used to make fun of me for not being able to navigate my hometown.
That is interesting though, I hadn't heard of this method. Thanks!