<human>: Summarize the given text in a few sentences.

Hi all, I have been debating whether it is worth having my HELOC open as an extra emergency fund is worth the $75 annual fee.  I opened it several years ago to do some home repair, but it currently has had a zero balance for 2-3 years. The line of credit is $45k.

My house is worth about 270k, I owe the bank 179k and my parents 18k.  

I have 6 months income (9-12 months expenses) saved in the bank, but nothing saved for a major expense like if I need a new roof or something.

So my income after tax and 401k and all, my income is about 3700 a month.

 mortgage 3.375% int                                                 1250

parents loan        0% int                                      500

utilities/insurance/pet/cell/                       670

So that leaves me with about $1300 as my savings/discretionary/food money. The terms with my parents loan is very loose, I can pay as little or as much as I want, it was originally 55k 6 years ago, but I want nothing more than to get that monkey off my back. I'm trying to balance enjoying the money I work for and paying off debt.  

I plan on maxing out my ROTH with overtime, and between me and my boss I put about 6500 a year to the 401k.

I feel like I'm doing things right, but now that I've got my emergency fund I'm not sure if I should keep saving or put all my extra money toward debt to parents and mortgage.
<bot>: Is a unused line of credit worth keeping open as a "just in case" for $75 a year?  How aggressively should I tackle mortgage debt?