It's new year's eve, and you're re-evaluating your finances for the next year. based on previous spending patterns, you know that you spend $1500 per month on average, with a standard deviation of $50

It's new year's eve, and you're re-evaluating your finances for the next year. based on previous spending patterns, you know that you spend $1500 per month on average, with a standard deviation of $500, and each month's expenditure is independently and identically distributed. as a poor college student, you also don't have any income. how much should you have in your bank account if you don't want to go broke this year, with probability at least 95%?