I've decided to wait and apply for Fall 2011.
What Math courses do I need between now and next fall to apply for Fall 2011? Which courses can I take together in a semester? For example, I know I can't take Calc. I and II together in one semester. Also, I was told by one program that I do not need a formal Linear Algebra course, that I could pick up all I need over a month or so of self study.
Some people will tell you that you can pick up anything in a month or so of self study -- I think those are blanket generalizations, and that for many people, taking a class from a good professor will beat self-study anytime.
AFAIK, formal requirements vary a lot from one school to the other, but the fact remains that having received an A in a tough math course is the best evidence you can have to show that you have the required skills. In fact, I'd advise you to take whatever courses you can take (not too many so that you can't perform well in every one of them), if only to signal to whoever will be reading your application that you're prepared to tackle this stuff. Believe me, you'll need calculus and linear algebra in a Finance PhD program.