Sarah Kozer insists she's no gold-digger -- and would gladly take Pizza Hut over a French chateau any day.

In her first comments since Joe Millionaire Evan Marriott picked another woman in front of 40 million TV viewers, Kozer said money doesn't matter.

"Anybody who doesn't realize that money can't make you happy is a fool!" she told The Post. "I've had dates that have been just as much fun at Pizza Hut than in Nice. I would never qualify or disqualify someone for how much money they made."

Since Monday night's blockbuster show, Marriott has hinted at some buyer's remorse for picking Zora Andrich, a substitute teacher from Lambertville, N.J. But Marriott has since reaffirmed his choice.

"Sarah and I got along like gangbusters," Marriott told People magazine. "But the premise of the show was to find a girl that I thought was into me for me. Sarah and I were more intimate but that didn't mean Sarah wasn't a gold-digger."

Kozer said Marriott mistook her confidence for money-grubbing.

"Maybe he was misjudging my demeanor," she said. "I'm educated and interested in things that I know, and I feel comfortable in various social situations."

The show's winner, Andrich, even after hearing Marriott's confession (that he's a $19,000-a- year construction worker and not a millionaire), said she wants to pursue a relationship with him.

They'll be together again in Millionaire's wrap-up episode on Monday night.

The show cast Andrich as a sweet, small-town introvert, while portraying Kozer as a flirtatious blond bombshell from Los Angeles.

"I've been poor and happy my whole life," said Kozer, who lives in a modest west L.A. apartment. "I've had men pursue me in Los Angeles and offer to buy me things and give me things and it's not something that's attractive to me."