First off, what car do you have?
Most people here will tell you that if you have a good enough front stage, you won't even need 6x9s at all, let alone amping them. With that said, you have 3 options:
1. Don't buy 6x9s at all, unless you have them already. Spend that extra money on quality components up front. Now you're even saving more money since you won't need to buy a 4ch amp because they're more expensive then 2ch amps, usually. Just get 1 good 2ch amp for the front stage and 1 mono amp for your sub.
2. Buy the 6x9s, unless you have them already, but don't amp it. Just let them power off the HU. Same goes for getting the 2ch amp instead of 4ch. Then get the mono amp for your sub.
3. Don't listen to them and go ahead and install the 6x9s. Now you will need a 4ch amp. Each channel is for 1 speaker, unless your bridging it, although you probably won't need to. You will use the first 2 channel for the front, and the last 2 channel for the 6x9. Same goes for the mono block for sub.